3831 Pointe Tremble Rd, Algonac, MI 48001 Property Records

St. Clair County property record for 3831 Pointe Tremble Rd, Algonac, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,201 sqft · built 2000
Lot Size	0.275 acres (11,979 sqft)
Owner	Individual Name on Record
Last Sale	$540,000 (May 2019)
Tax Bill	$10,893 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`74-14-442-0187-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-442-0187-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	3,201 sqft Living Area
1st Floor Area	1,829 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Lot Area	11,979 sqft (0.275 acres)
Lot Dimensions	150 ft deep x 80 ft wide
Garage Area	1,223 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3831 POINTE TREMBLE RD
City	ALGONAC
State	MI
Zip	48001-4647
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 384 & THAT PORTION OF LOT 385 BEG S 2D 12M 39S E 97.13' FROM NE COR LOT 385 TH S 2D 12M 39S E 52.57', TH N 71D 53M 29S W
Legal Range	16E
Legal Township	02N
Legal Section	2
Legal Subdivision	SUPRVRS ROY T GILBERTS 2-CLAY
Legal Lot Number	384-385
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2000
Census Tract	647000

Owner

Source: St. Clair County records, as of September 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3831 POINTE TREMBLE RD, ALGONAC, MI 48001-4647
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP
Nov 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP
May 8, 2019	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 8, 2019 · Amount on Record
Deed Sale	May 8, 2019 · Amount on Record
Deed Document Number	20199538
Deed Book / Page	5054 / 613
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	3831 POINTE TREMBLE RD, ALGONAC, MI 48001-4647
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052130295
Date	Jul 16, 2020
Book Page	5213/295
Instrument	2020016166

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	313 Months
Due	Aug 1, 2046

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	3831 POINTE TREMBLE RD, ALGONAC, MI 48001-4647
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051250137
Date	Nov 26, 2019
Book Page	5125/137
Instrument	2019025004

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

Interest

Rate Type	Fixed Rate

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	May 8, 2019
Property Address	3831 POINTE TREMBLE RD, ALGONAC, MI 48001-4647
Document Number	0005054613
Book / Page	5054 / 613
Map Reference	BK 48 PG 32-36
Instrument Date	Apr 15, 2019
Instrument	2019009538
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	BELL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,644.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11591 DUNNIGAN RD, EMMETT, MI 48022-3708

Mortgage

Document Number	0050540615
Date	May 8, 2019
Book Page	5054/615
Instrument	2019009539

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of September 17, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	St. Clair County
County Subdivision	Clay Township
Unified School District	Algonac Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$405,900 (+10.51%)	$811,800 (+10.51%)
2025	$10,893.00 (+2.35%) Homeowner's exemption	$367,300 (+16.38%)
2024	$10,643.00 (+8.99%)		$734,600 (+16.38%)
2023		$315,600
2022	$9,765.00		$631,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 20, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 143 policies
Nearby Flood Policies	143 in force
Nearby Flood Claims	77 (1985–2024)
Claims Outside the SFHA	56 of 77
Most Recent Claim	Jan 2024

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CLAY TOWNSHIP serves 9,866 people · EPA ID MI0001450
Water Source	Purchased surface water from CITY OF ALGONAC
Last State Inspection	May 2021
Lead	3 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 195 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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